Ek bhains ya gaay ke marne par nuksaan sirf ek jaanwar ka nahi hota. Kai parivaron ke liye wo doodh ki aamdani ka ek bada hissa hota hai, kabhi-kabhi bank ki kist ka bhi sahara hota hai. Isi nuksaan se bachane ke liye Haryana sarkar Pandit Deen Dayal Upadhyay Samoohik Pashudhan Bima Yojana chalati hai — aam bolchal me Pashudhan Bima Yojana. Isme bada pashu sirf Rs 100 se Rs 300 saalana me aur chhota pashu sirf Rs 25 saalana me insure hota hai, aur Scheduled Caste (SC) pashupalakon ka bima muft hota hai.
Sabse pehle ek farq saaf kar lein, kyunki isi jagah sabse zyada confusion hai. Ye yojana loan nahi hai, subsidy nahi hai aur doodh par protsahan rashi nahi hai. Loan ke liye Pashu Kisan Credit Card alag scheme hai, dairy unit par subsidy ke liye Pashupalan Loan Yojana alag hai, aur doodh par Rs 10 per litre wali protsahan rashi bhi alag scheme hai. Pashudhan Bima sirf ek kaam karta hai — agar bima-shuda pashu mar jaye to nirdharit bima rashi ka claim mile. Agar aap loan ya subsidy dhoondh rahe hain to ye article aapke liye nahi hai, aur wahi samajhna aapka time bachayega.
Sabse Pehle: Kaun Apply NA Kare — Ye Checklist Dekho
Eligibility padhne se pehle ye dekh lo. Agar inme se koi ek baat aap par lagoo hoti hai to form bharne se pehle us kami ko poora karo, warna form ya claim dono atak sakte hain:
Apply mat karo (abhi ke liye), agar:
✗ Aapke paas Parivar Pehchan Patra (PPP / Family ID) nahi hai — iske bina aavedan swikar nahi hota.
✗ Pashu ko 12-digit ear tag nahi laga hai ya tag toota/gum ho gaya hai aur dobara nahi lagwaya.
✗ Pashu bimar hai aur registered veterinarian ka health certificate nahi mil sakta.
✗ Aap ek hi parivar se 5 se zyada pashu units par subsidy wala bima lena chahte hain — isse zyada par subsidy wala cover nahi milta.
✗ Aap sirf isliye apply kar rahe hain kyunki pashu pehle se bimar hai aur claim ki ummeed hai — natural death par pehle 21 din ka waiting period hota hai, isliye ye trick kaam nahi karegi.
Apply karo, agar:
✓ Aap Haryana ke pashupalak hain aur aapki umar 18 saal ya zyada hai.
✓ Aapke paas PPP hai aur pashu swasth hai, health certificate ban sakta hai.
✓ Pashu par 12-digit ear tag laga hai ya lagwaya ja sakta hai.
✓ Aap doodh ya pashupalan se aamdani par nirbhar hain aur ek achanak nuksaan se bachna chahte hain.
Purana Rs 100 Wala Rule vs Naya Slab — Confusion Khatam Karo
Internet par is yojana ke baare me do tarah ki jaankari milti hai, aur dono ko ek saath padhne wala confuse ho jata hai. Asal baat ye hai ki yojana July 2016 me Jhajjar se shuru hui thi, tab bade pashuon ke liye Rs 100 aur chhote pashuon ke liye Rs 25 ki flat rakam ka zikr milta tha, wo bhi teen saal ke cover ke sandarbh me. Aaj ki Samoohik Pashudhan Bima vyavastha me bade pashu ka annual contribution Rs 100, Rs 200 ya Rs 300 hai, jo pashu ki doodh dene ki kshamta aur category par nirbhar karta hai. Chhote pashuon ke liye Rs 25 per pashu per saal abhi bhi wahi hai.
Matlab sirf itna hai ki aavedan ke waqt portal se apne pashu ka exact slab confirm karna sabse surakshit hai. Kisi agent ke bataye slab par premium mat bhariye — Saral portal par jo rakam dikhe, wahi final samjho.
| Pashu Category | Aapka Annual Contribution | Khaas Baat |
|---|---|---|
| Bada pashu (gaay, bhains, bail, oont aadi) | Rs 100 / Rs 200 / Rs 300 per pashu per saal | Slab doodh kshamta aur category par nirbhar |
| Chhota pashu (bhed, bakri, suar) | Rs 25 per pashu per saal | Flat rakam |
| SC category ke pashupalak | Muft (Rs 0) | Poora premium sarkar uthati hai (Centre 40% + State SCSP 60% ke hisaab se) |
| BPL parivar | Atirikt subsidy | Premium par sarkari subsidy milti hai, exact rakam portal par confirm karein |
Ek aur zaroori baat: sum insured har pashu ke liye ek jaisi fixed rakam nahi hoti — wo category, umar, nasl aur doodh utpadan par tay hoti hai. Policy me likhi rakam hi asli hai. Ek mukhyamantri bayan me dudharu pashu par Rs 1 lakh tak ki sahayata ka zikr milta hai, lekin wo har pashu ka fixed claim nahi hai.
Kaun Se Pashu Cover Hote Hain?
Is yojana me sirf gaay-bhains hi nahi, kaafi lambi list cover hoti hai: gaay, bhains, bail, saan, ghoda, gadha, khacchar, oont, bachhda/bachhdi, heifer, bhed, bakri aur suar. Lekin cover milne ke liye teen shartein poori honi chahiye — pashu swasth ho, veterinarian ka health certificate ho, aur kaan me 12-digit unique ear tag laga ho. Ye tag koi decoration nahi hai, ye pashu ki pehchan hai. Claim ke waqt saabit (intact) ear tag mangi jati hai, isliye tag ko sambhal kar rakhna claim jitna hi zaroori hai.
Ek parivar, 5 units ki seema: Subsidy wale bima ka labh ek parivar adhiktam 5 animal units tak le sakta hai. Isse zyada pashu hain to pehle wo 5 chuniye jo aapki aamdani ke liye sabse keemti hain — aksar zyada doodh dene wali bhains ya gaay. Baaki pashuon ke liye alag se poori premium wali vyavastha ka vikalp portal ya vibhag se pooch sakte hain, lekin subsidy wali seema 5 hi rahegi.
Documents: Ye Kagaz Pehle Se Taiyar Rakho
Aksar form isliye atak jata hai kyunki aadha kaam online aur aadha kaam pashu ke paas hota hai. Neeche wali list ko apply karne se pehle poora kar lo:
| Document | Kyun Chahiye |
|---|---|
| Parivar Pehchan Patra (PPP / Family ID) | Bina iske aavedan hi nahi hoga — ye mandatory hai |
| Veterinarian ka health certificate | Pashu swasth hai, ye sabit karta hai |
| Ear tag dikhti hui pashu ki saaf photo | Pehchan aur verification ke liye |
| Premium bhugtan ka proof (jahan lagoo ho) | SC ke liye muft, baaki ke liye apna hissa |
| SC certificate (SC labharthi ke liye) | Muft bima ke liye zaroori |
| BPL certificate (jahan lagoo ho) | Atirikt subsidy ke liye |
| Bank account details | Claim DBT se seedha khate me aayega |
Claim ki rakam DBT se seedha bank khate me jati hai, isliye apply se pehle check kar lo — khata active ho, naam PPP se mile aur Aadhaar DBT ke liye linked ho.
Apply Kaise Karein — Saral Portal Par Step by Step
Aavedan Antyodaya-SARAL Portal (saralharyana.gov.in) par online hota hai. Saath hi nazdeeki SARAL Kendra, e-Seva Kendra, CSC ya Antyodaya Kendra se bhi madad li ja sakti hai. Online tareeka ye hai:
Step 1 — Saral portal kholo aur naye user ke roop me register karo (naam, mobile, email, password), phir OTP se verification poora karo.
Step 2 — Login karke "Apply for Services" phir "View all Available Services" par jao aur scheme ka naam search karo.
Step 3 — Apna PPP number dalo aur "Click here to Fetch Family Data" par click karo. Parivar ke sadasyon ki list aayegi, apna naam chuno aur member ke mobile par aaye OTP se verify karo.
Step 4 — Pashu ki details bharo, zaroori documents upload karo aur premium ka apna hissa (jahan lagoo ho) bhariye.
Step 5 — Form ko dhyan se review karke submit karo aur application reference number sambhal kar rakho — status check isi se hoga.
Step 6 — Uske baad aavedan Sub-Divisional Officer (Animal Husbandry) ke paas verification ke liye jata hai, phir Deputy Director level par process hota hai. Insurance company ka pratinidhi pashu ki jaanch, photo aur health certificate verify karta hai, aur INAPH ke hisaab se 12-digit polyurethane laser-printed ear tag lagata hai. Verification poora hone par policy jaari hoti hai.
Status Saral portal par "Track Application Status" se check hota hai (department + scheme + reference ID). Reference number ki photo phone me bacha lo.
Claim Kaise Milega — 24 Ghante Wala Rule Sabse Zaroori Hai
Claim ki poori kahani ek number par tiki hai: 24 ghante. Pashu ki mrityu ki soochna insurance company ke claim centre ko adhiktam 24 ghante ke andar deni hoti hai. Toll-free number 1800-419-1415 par call karke jaankari darj karani hoti hai. Durghatna wali mrityu me police ko soochit karna / FIR jahan zaroori ho, wo bhi karna hota hai. Soochna milne ke 4 ghante ke andar company ka surveyor/investigator mauqe par pahunchta hai. Isliye pashu ko jaldi dafanane ya hatane ki galti mat karo — pehle surveyor aur veterinarian ki prakriya poori hone do.
| Claim Stage | Time Limit |
|---|---|
| Mrityu ki soochna (toll-free 1800-419-1415) | 24 ghante ke andar |
| Surveyor ka mauqa visit | Soochna ke 4 ghante ke andar |
| Sarkari veterinarian se post-mortem report | Claim file ke liye zaroori |
| Poore documents ke baad claim payment | 15 din ke andar |
| Payment me deri ho to | 12% compound interest ka pravdhan |
Claim file me lagte hain: claim form, policy, post-mortem report, intact ear tag aur bank details. Ek bhi kagaz adhoora raha to 15 din ki ginati poore documents ke baad hi shuru hogi.
21 din ka waiting period samajh lo: Natural (gair-durghatna) mrityu par policy ke pehle 21 din me claim nahi milta. Lekin accidental death par ye waiting period lagoo nahi hota — accidental death ka cover policy ke pehle din se hi shuru ho jata hai, bas nirdharit claim prakriya poori karni hoti hai. Is farq ko samajhna isliye zaroori hai kyunki kai log pehle hafte me natural death par claim reject hone se naraaz hote hain, jabki rule pehle se hi yehi tha.
Common Mistakes — Jo Claim Duba Dete Hain
Ye section un galtiyon ka hai jo baar-baar dekhi jati hain. Inhe padhna boring lag sakta hai, lekin ek galti poora claim dubo sakti hai:
1. Tag ko nazarandaz karna. Tag toota, gum hua ya photo me saaf nahi dikha — claim file kamzor ho jati hai. Tag lagte hi uski photo apne phone me bacha lo.
2. Der se soochna dena. 24 ghante ki seema guzar gayi to company ko claim rokne ka mauqa mil jata hai. Dukhi ghadi me bhi pehla kaam toll-free par call karna hai.
3. Post-mortem ke bina pashu hatana. Sarkari veterinarian ki post-mortem report ke bina claim file adhoori rehti hai.
4. Policy ki sum insured ko andaze se batana. Gaon me charcha wali rakam ko apni policy ki rakam mat mano. Policy document me likhi rakam hi claim ki base hai.
5. Kisi agent ko premium ka paisa cash de dena bina receipt ke. Premium ka proof mangna aapka haq hai. Bina proof ke baad me ye sabit karna mushkil hota hai ki premium bhara tha.
Myth vs Fact — Pehle Bhram Tod Lo
| Myth (Galatfehmi) | Fact (Sachchai) |
|---|---|
| Ye yojana pashu kharidne ke liye paisa deti hai | Nahi. Ye sirf bima hai — mrityu par claim milta hai, kharid par rakam nahi |
| Har pashu ka premium sirf Rs 100 hai | Bade pashu ka slab Rs 100/200/300 hai, chhote ka Rs 25, SC ka muft |
| Policy lete hi agle din se har tarah ka claim mil jayega | Accidental cover day 1 se, lekin natural death par 21 din ka waiting period hai |
| Jitne chahe utne pashu subsidy par insure kara lo | Subsidy wala cover ek parivar me 5 units tak hi milta hai |
| Claim ke liye mahino intezar karna hi padta hai | Poore documents par 15 din me payment ka niyam hai, deri par 12% compound interest ka pravdhan hai |
Scale ki baat karein to mukhyamantri ke ek bayan me 15.33 lakh pashu insure aur lagbhag 26,000 kisanon ko Rs 106 crore ke claim ka aakda diya gaya hai. Alag samay ke bayanon me ye aakde thode alag bhi milte hain, isliye taaza official jaankari hi final mano.
Aur haan, agar aap pashupalan ke liye loan bhi dhoondh rahe hain to bima ke saath-saath Pashu Kisan Credit Card ki poori jaankari bhi padh lein — loan roz ke kharch ke liye hai aur bima achanak nuksaan ke liye, dono ek-doosre ke poorak hain, ek-doosre ke vikalp nahi.
FAQ — Aksar Poochhe Jaane Wale Sawal
Q: Pashudhan Bima Yojana me premium kitna hai?
A: Bade pashu ke liye Rs 100, Rs 200 ya Rs 300 saalana (doodh kshamta aur category par nirbhar), chhote pashu ke liye Rs 25 saalana. SC pashupalakon ka bima muft hai.
Q: Kya bina PPP ke apply kar sakte hain?
A: Nahi. Parivar Pehchan Patra is yojana me mandatory hai. Pehle PPP banwayein ya update karwayein, phir bima ke liye apply karein.
Q: Pashu marne par sabse pehle kya karein?
A: 24 ghante ke andar toll-free 1800-419-1415 par soochna dein, pashu ko post-mortem aur surveyor visit se pehle mat hatayein, aur ear tag sambhal kar rakhein.
Q: Claim kitne din me milta hai?
A: Poore documents jama hone ke baad 15 din ke andar payment ka niyam hai. Deri hone par 12% compound interest ka pravdhan bataya gaya hai.
Q: Ek parivar kitne pashu insure kara sakta hai?
A: Subsidy wala bima ek parivar me adhiktam 5 animal units tak milta hai.
Aakhri salah seedhi hai: pashu swasth hai tabhi bima karwao, bimar hone ke baad nahi. Rs 100 se Rs 300 saalana ek dudharu pashu ki keemat ke saamne bahut chhoti rakam hai, lekin bina bima ke ek mrityu poore saal ki aamdani hila sakti hai. PPP, health certificate aur ear tag poore kar lo, baaki process Saral portal par seedha hai. Aur agar koi rakam official portal par alag dikhe to policy document ko hi final mano.
Important Links
| Official Portal | Saral Haryana |
| WhatsApp Channel | Join Now |
| Helpline | 1800-419-1415 (claim intimation), 0172-2574663 / 0172-2574664 (Animal Husbandry Dept) |
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